Pengaruh Financing to Deposit Ratio (FDR) dan Non-Performing Financing (NPF) terhadap Bagi Hasil Deposito Mudharabah pada Bank Syariah Mandiri
DOI:
https://doi.org/10.30588/jmp.v8i1.391Keywords:
Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Profit Sharing of Mudharabah DepositAbstract
Along with the development of sharia banking institutions in Indonesia, the more types of services provided by these Islamic banking institutions. This study focuses on internal factors, such as Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF), because of the presumption that these factors have the most significant influence on profit-sharing that exist in the Islamic banking system. This study aims to determine the effects of Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables on Mudharabah Deposits of PT Bank Syariah Mandiri, both partially and simultaneously for the 2011-2017 period. The sample used in this study is PT Bank Syariah Mandiri in Indonesia by using multiple linear regression analysis which is processed using SPSS (Statistical Product Services and Solutions) software version 24. The results of this study state that FDR has a negative effect on profit sharing of Mudharabah Deposits, while NPF has a positive influence on the profit sharing of Mudharabah Deposits. These results also indicate that simultaneously the Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) variables have a significant influence on the profit sharing of PT Bank Syariah Mandiri Mudharabah Deposits for the period 2011-2017. This is supported by the results of the coefficient of determination. The coefficient is 0.673 or 67.3% of profit sharing of the Mudharabah Deposits are influenced by the FDR and NPF variables, and the remaining 32.7% is influenced by other variables not used in this research model.References
Anshori, A. G. (2007). Perbankan Syariah di Indonesia. Cetakan Kesatu. Yogyakarta: Gadjah Mada University Press, h. 93-94.
Antonio, M. S. dkk. (2006). Bank Syariah Analisis Kekuataan, Kelemahan, Peluang, dan Ancaman. Cetakan Kesatu. Yogyakarta: Ekonisia.
Karim, A. A. (2004). Bank Islam Analisis Fiqh dan Keuangan. Jakarta: PT Raja Grafindo Persada.
Karim, A. A. (2013). Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT Raja Grafindo Persada.
Bank Syariah Mandiri. Laporan Keuangan Tahunan Bank Syariah Mandiri. Diakses pada tanggal 20 November 2017 di http://www.syariahmandiri.co.id.
Ismail (2015). Perbankan Syariah.
Iqtishadia (2017). Analisa Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Simpanan Mudharabah. Jakarta: Bank Umum Syariah.
Ismail (2011). Perbankan Syariah. Edisi I. Jakarta: Kencana.
Kasmir (2007). Manajemen Perbankan. Jakarta: PT Raja Grafindo Persada.
Al Arif, M. N. (2010). Dasar-Dasar Pemasaran Bank Syariah. Cetakan Kesatu. Bandung: CV Alfabeta.
Muhammad (2014). Manajemen Dana Bank Syariah. Yogyakarta: Ekonisia.
Nugraha, S. (2014). Pengaruh ROA, NPF, FDR, BOPO dan Tingkat Bagi Hasil terhadap Pembiayaan Mudharabah. Skripsi. UIN Syarif Hidayatullah.
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish with Jurnal Maksipreneur agree to the following terms:
Authors retain copyright and grant the Jurnal Maksipreneur right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgment of the work's authorship and initial publication in Jurnal Maksipreneur.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in Jurnal Maksipreneur. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).